In the last three weeks, Weston has started saying words. He knows wow, hi, hungry (hungwy), yeah, and last night started saying love you

Streamlining your loan is similar to refinancing, as you obtain a lower rate. However, unlike refinancing, a new credit check is not ran. You go for the same amount of money. If you owe 78,000 on your mortgage, it will still be 78,000- minus lower rates, due to decreased interest rates. There are also no closing cost. Streamlining is performed through your same lender.

We have a diaper genie. In order to save money on the refills, we only throw the dirty diapers in there.
Also the clothes he is growing out of can be sold for money to buy the new size.
Soon (near march) the mortgage industry rates will go down to 4.5 and 5 percent. You can contact your current mortgage company and let them know you want to streamline your rates. There is no credit check, they just check your payment history. Also, twice a year (if possible) double your payment-or put your tax return towards your house. It will decrease your amount owed rapidly, since you do not have to pay interest on the money that is paid down quicker.
Instead of daycare, try to find a trustworthy friend (maybe a stay at home mom) and offer to pay her to care for your child. You child will have more one on one attention and you will not have to pay as much per month for daycare. Such as instead of paying 120 per week, you could offer 80.

Hey Everyone! I am a new mom. My husband and I had our first child two months ago. Last week, our child said his first word (WOW). Then two days ago he said his second word (HI). Since then, I have noticed his interest in learning and his attentiveness. I realized his need for more stimulation. As I searched, I came across this site and fell in love with it. I tested the power point this morning on our son. He was so enthralled in the lesson. I am very happy at the prospect that he will learn to read soon. I also look forward to learning new tips and tricks from other parents.